What is the maximum pension?

Under such circumstances, this year's pension payment is still raised by 5% as a whole. Although this move is commendable, after the pension savings shrink, we should give a reasonable adjustment plan in the face of the concerns of social security payers. Earlier, it was reported that the amount of pension savings and provident fund savings was almost the same, only about 6 trillion. According to this trend, it won't be long before pension savings can make ends meet.

To this end, some time ago, the scheme of "gradual delayed retirement" was once again mentioned by the state and officially implemented. According to this new regulation, the retirement age of future employees will be postponed to 65. Delaying retirement age can not only reduce the pension period of the elderly, but also increase the social security payment period of employees, which can kill two birds with one stone.

In addition, some experts suggested setting a pension ceiling of 5,000 yuan. The so-called cap of 5,000 yuan means that the pension that the elderly can receive after retirement is up to 5,000 yuan, which will not be higher than this. No matter how to raise the pension in the future, it will not exceed this upper limit.

This is certainly unacceptable to many people and will not work. After all, the principle of providing for the aged has always been "pay more for a long time, pay more and get more". Paying more and collecting less now may make some people not pay social security. Of course, it doesn't matter if the social security contribution level is relatively low, because this regulation has little to do with them.

For example, everyone who has participated in the work knows that in daily work, the pension of ordinary people is about 2,000 yuan to 3,000 yuan, which takes a long time to be paid. If the payment period is only 15 years, then the pension is only about 1000 yuan, which is not very high, far from 5,000 yuan. In fact, these people have no trouble at all.

However, some people may work in large companies, state-owned enterprises, central enterprises and other places with good welfare benefits. Enterprises are also very willing to help employees pay this part of the cost. In this way, after they retire, the pension they can receive may be more than 5,000 yuan, which will be higher than this. In this case, limiting their pension to 5000 yuan may affect their interests.

In fact, in many areas, the issuance of pensions will impose more restrictions on retirees in government agencies and institutions. For example, in Jiangsu Province, in 2020, the pension benefits of enterprise retirees will be improved, while the pension benefits of retirees from government agencies and institutions will not be improved. This is mainly to reduce the amount of pension payment, reduce the burden on the country, and make the pension distribution more reasonable.

In addition, some people trade social security into three grades, corresponding to 60%, 80% and 100% respectively. Among them, the lowest level can only guarantee your daily life, which is of little significance. As long as conditions permit, people will still be more willing to pay more social security fees. After all, they are all thinking about their old age and need to make plans in advance.

In June this year 1 65438+1October1,the state handed over the social security fees to the tax authorities for unified collection, also for the sake of old-age savings. Because many enterprises paid social security for employees before, they did not pay social security for employees in accordance with national regulations, but at the lowest payment standard. The tax authorities have a clear understanding of the overall operating conditions, revenues and expenditures of enterprises. If you don't charge according to national standards, you will soon find out through data comparison.